 I didn't realize how big these guys had gotten. So Melt, we did a deep dive. And I linked the deep dive video in the description. And it was me and Ken just talking and somebody had connected us. And I was like, oh, it's a good project, you know. It looks like it's weird. This is over a year ago, and nothing really happened with them. You know, they just never, nothing did. I reached out to Ken, only the CEO and I said, hey man, you only part of this giveaway. He's like, yeah, he goes, he's seen what we've been doing. And I said, yeah, I've got the emails. It's great. It looks like you guys are building. He's like, yeah, let's talk. We're supposed to have a 15 minute meeting with what we talked for over two hours. And I finagled him to give away 20,000 Melt tokens and also the NFT banker and NFT. But that's not the big story. The big story is this. First of all, what's Melt? It's very simple. It's a DeFi project. It's not a CeFi. Who screwed us in 2022? CeFi screwed us. DeFi did just fine. So it's a DeFi protocol for loans. Get your cash, earn yields on your crypto while it's in there to pay off the loan. Like I called it, it's a DeFi protocol or loan protocol that pays itself off. You pay back the loan, things that are left over and you earn all the time. And before I'm like, oh, but what about, you know, not your keys, not your crypto. You get a loan and keep your keys. Again, who screwed us in 2022? CeFi, not DeFi. And that's what they're moving forward to. And then, so they give away 20,000 of those Melt tokens which aren't worth much now, but they're gonna be, I think. And then you're gonna get a bank manager NFT. We're gonna give away three of those. What did that, was that do? You get to boost your APY, lower interest, early access because what's the early access to? A bank. They're gonna become a Neo bank. Actually, let me just show you that first. That's the most appealing thing. So Meld becomes an EMI to bring fiat and crypto to the masses by becoming essentially a Neo bank. What is that? I'll get to that in a second. Let me just tell you this. This is what's been happening the last 30 days with them. They got a partnership with Avalanche. They got a partnership with Multi-Chain so you can roll across from different bridges. That's the only one they're gonna need as far as EVM, the Ethereum Virtual Machine. They've got a partnership with Arculus which is they're gonna be able to give you your Meld debit card because they're gonna become one of these Neo banks. There's a partnership with Cornucopius. I like these guys too. These two gentlemen here, it's a good game. It's actually got a working project on Cardano. And then this is what I'm trying to do. They're gonna be a Neo bank. What the heck is that? First of all, what's an EMI? What's Meld? Why are they attaining this? An EMI is an Electronic Money Institute or Neo bank. It's usually a FinTech startup that operates on a more limited license than a traditional bank. So it's not really a bank bank traditionally wise but how is it different? It's a great question. Here's how it's different. Ever heard of fractional reserve banking? I bet you have, especially if you're in crypto. So traditional banks offer fractional reserve banking. They take your money, keep your fraction, try to withdraw it. Well, they invest, well, 2008, they didn't do so hot. So how does an EMI use your deposits? With some variation, you can deposit in a savings account or spend it from a checking account and they don't do fractional reserve banking. The key is that depositors are often backed by a full reserve. And depending on the jurisdiction, they are insured as well. And what Meld just did is they got an EMI or as a Neo bank in 146 countries. Because Neo banks don't offer the same debt tools as traditional banks. They typically focus on moving money for customers. That's all I really wanted my banks anyhow. One of the primary value propositions of a Neo bank is convenience. That's what they want. That's what I want. Number of Neo banks is exploded. And they're not going to be able to do that. Number of Neo banks is exploded. And here's just a few, like Chime. And Chime, you can see is this. This is a Neo bank essentially. It's not a physical location. Those are dying anyhow. All they do is they store your money and they move it around. Now, depending on the jurisdiction, depending on what's on the EU in the United States, it's FDIC insured or whatever it is in the EU. I don't know. I'm gonna get Ken on and we're gonna talk about that because that's a big thing moving forward. So yes, these guys are doing pretty big things. And here's a.